0% Interest Free Finance At Phillip Stoner

Phillip Stoner, in conjunction with V12 Retail Finance, are pleased to offer Interest Free Finance on all full priced items over £300.

Spread the cost of your purchase with a range of repayment terms from 12 to 36 months, with a minimum deposit of just 10%.

Apply in-store or online; it’s quick, easy and you’ll get an instant decision.


  • This is an Interest Free loan with no arrangement fees
  • You will repay the loan amount through equal monthly payments spread over your chosen repayment period of 12, 18, 24 or 36 Months
  • Minimum 10% deposit required
  • Minimum loan of £300 applies
Please note: Sale or discounted items cannot be purchased using Interest Free Finance


  • You must; be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by Direct Debit
  • Be in regular employment (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment. If you are retired and receive a pension, or are registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.



Apply for Interest Free Finance Online


Apply for Interest Free Finance Instore
*Credit is subject to age and status. You must agree to the lender’s Terms & Conditions and electronically sign the Credit Agreement document before we can release the goods to you.


During the loan application process you will be asked for your personal information such as:

  • Name
  • Address history
  • Date of birth
  • Contact details
  • Employment/income information

If you are accepted you will also need a credit or debit card registered in your name at the address on the credit application, so that the lender can carry out an electronic identity check.


With most applications we expect that you will be given an Accepted or Declined decision within 10-20 seconds.

In some cases the lender may return the decision as ‘Referred’. This usually means they require more information. You will receive an email or phone call with further instructions.

For in-store applications you can usually wait in the shop whilst the underwriters review your referred application.

Underwriting hours are 8am-8pm Monday to Friday (excluding Bank Holidays), 9am-6pm Saturday and 10am-5pm Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

Once your application has been accepted by V12 Retail Finance you will be asked to eSign the credit agreement. Your agreement will then be live and your monthly repayments will commence for the duration of the agreed term. Finally, a letter will be sent to your home address from V12 Retail Finance confirming the details of your agreement.


For finance orders made online, goods must be delivered to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address.


If you wish to return the item then please refer to our Returns Policy. If we accept your return we will contact the lender to cancel the credit agreement. We may not able to cancel the credit agreement if the return falls outside of our returns period.


You will be informed if the lender declines your application. The lender is unable to share the reason for decline with Phillip Stoner. Applications are usually declined for reasons such as:

  • Not meeting the eligibility criteria (see above)
  • Adverse credit reference agency information
  • Your credit score
  • You are considered to be overcommitted
  • Your existing account performance with other lenders

The lender will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you wish to discuss the matter. Please note that the lender is unable to discuss this over the telephone due to Data Protection rules. You should also note that each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.


Phillip Stoner Jewellery Ltd acts as a credit broker, not a lender, and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: V12 Retail Finance Limited, Yorke House, Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Phillip Stoner Jewellery Ltd is registered in England and Wales 01880573. Registered office: 31-35 County Arcade, Victoria Quarter, Leeds, LS1 6BH.